Life Insurance with DUI

Finding the Best DUI Life Insurance Rates

Life Insurance with a
DUI or DWI

You may be visiting our site looking for life insurance
because you have been declined due to a DUI or DWI.

However, you may have been declined because you applied to
the wrong insurance company. When it comes to life insurance with a DUI/DWI,
choosing the right life insurance company is the most important factor between
getting approved or declined for life insurance.

Most people think they can’t get life insurance with a
recent DUI or DWI. However, the truth is you can get life insurance.

While several insurers won’t insure you if you have had a
DUI in the past 12 months. The ones that will insure you will charge an extra
fee called a Flat Extra.

But, the one company that will be the best option for life
insurance with a DUI is a name you may already know and trust – Prudential Life Insurance.

First, let’s review some of the factors that affect the
price you will pay for your DUI life insurance coverage.

Factors that Affect
Pricing of Life Insurance with a DUI

Your Current Age

Any Health Conditions?

DUI History – How many DUI’s have you had and when?

History of Alcohol Abuse and any Treatment?

Results of a Liver Enzyme Test – The insurance company will
test for level of liver enzymes.

Driving Record – History of moving violations, speeding
tickets, accidents?

Criminal Record?

If none of the above is a factor, here is what you can
expect with Prudential for life insurance with a history of DUI’s.

If your DUI is more than 10 years old it won’t negatively
impact you with Prudential, as well as most other life insurance companies.

However, if you have had more than 2 DUI’s over the past 10
years, you won’t get approved for life insurance with Prudential, or any other life
insurance company. If that is the case, you will need to consider a guaranteed issue life Insurance policy.

Here are the guidelines
for life insurance with one DUI and life insurance with two DUI’s over the past
10 years.

Life Insurance with
One DUI

Examples of prices on life insurance for 35 year old male
applying for a $500,000 20 year term life insurance policy with one DUI in the
past 10 years:

DUI in past 12 months – $98.10 per month

DUI more than 12 months ago – $51.75 per month

DUI more than 3 years ago – $65.70 per month.

Life Insurance with
Two DUI’s

Examples of prices on life insurance for 35 year old male
applying for $500,000 20 year term life insurance policy with two DUI’s in the
past 10 years:

Yes, you can. However, it’s important to know where to look
in order to find a life insurance company that offers coverage after a DUI, and
has affordable rates.

In most cases, you may qualify for life insurance with a DUI
or DWI, but almost all insurance companies will add a surcharge, meaning, you
won’t qualify for their preferred rates, which are lower than standard rates.

So, you can get life insurance after a DUI, it’s just going
to cost you more than someone who has not had a DWI.

In general, if you have had a DUI or DWI in the past 5
years, you will not qualify for the best health ratings, such as preferred plus
life insurance rates.

What if my DUI is
within the Past Year?

There shouldn’t be a problem. However, you may have already
been told you can’t qualify for life insurance, no insurance company will
approve you for at least 2 years after a DUI conviction, or that accidental
death insurance is your only option.

Yes, it is much more difficult to find life insurance within
the first year after having a DUI. However, there are some life insurance
carriers that specialize in insuring high-risk drivers with recent DUI’s.

Will I Be Declined
Because of My DUI?

It depends. If you have only one DUI without any history of
alcohol abuse, you may qualify for life insurance coverage.

But if your DWI is a symptom of a larger problem, your DMV
and blood work from the physical exam may uncover other risk factors that could
prevent you from qualifying for life insurance.

What If I Have Two
DUI’s

You may still be eligible with multiple DUI’s on your
driving record.

However, if you have 2 DUI’s in the past 5 years, your
options may be more limited. But there is one life insurance carrier that may
insure you with multiple DUI’s on your record.

It will depend on the rest of your DMV records as well as
the results from your physical exam. But, if you are healthy, you should still
be able to find life insurance coverage.

No need to be confused. We can help.

We have partnered with JRC Insurance Group to help you compare the best rates available for someone with your driving
history. JRC will help you find the most
affordable prices available from 40 highly-rated life insurance companies
including Prudential and MetLife.

With JRC Insurance you will have an assigned representative
dedicated to your application that will be available to you throughout the
application process and will provide you with updates as your application goes
through the underwriting process.

If you have any questions your personal
representative at JRC Insurance will be available to walk you through the
questions and help you understand your options.

So what are you waiting for?

Life Insurance Quotes

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Group helps you shop, compare and save on life insurance. Regardless of your
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